Call reports 2007
COMMUNITY BANK OF WEST GEORGIA — 2007
What COMMUNITY BANK OF WEST GEORGIA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 177,676,000 | 186,095,000 | 193,066,000 | 211,095,000 |
| Total loans | 145,528,000 | 155,232,000 | 158,289,000 | 174,695,000 |
| Allowance for loan losses | 1,466,000 | 1,598,000 | 1,681,000 | 1,980,000 |
| Securities available for sale | 18,965,000 | 18,086,000 | 18,138,000 | 17,122,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,858,000 | 162,963,000 | 167,253,000 | 185,035,000 |
| Interest-bearing deposits | 147,031,000 | 155,522,000 | 160,049,000 | 178,199,000 |
| Noninterest-bearing deposits | 7,828,000 | 7,441,000 | 7,204,000 | 6,836,000 |
| Equity capital | 12,455,000 | 13,983,000 | 16,846,000 | 16,968,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,597,000 | 7,236,000 | 11,027,000 | 14,812,000 |
| Interest expense | 1,940,000 | 3,985,000 | 6,176,000 | 8,409,000 |
| Net interest income | 1,657,000 | 3,251,000 | 4,851,000 | 6,403,000 |
| Noninterest income | 68,000 | 107,000 | 139,000 | 282,000 |
| Noninterest expense | 1,184,000 | 2,403,000 | 3,652,000 | 4,985,000 |
| Provision for loan losses | 136,000 | 268,000 | 351,000 | 712,000 |
| Pretax income | 405,000 | 687,000 | 987,000 | 988,000 |
| Income tax | 117,000 | 232,000 | 354,000 | 303,000 |
| Net income | 288,000 | 455,000 | 633,000 | 685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,577,000 | 14,216,000 | 16,933,000 | 16,963,000 |
| Total capital | 14,043,000 | 15,814,000 | 18,614,000 | 18,943,000 |
| Risk-weighted assets | 132,503,000 | 143,789,000 | 146,842,000 | 172,310,000 |